Nic described herself as a 42-year-old professional who sometimes has to pinch herself at the job she has. It’s a tough demanding role in a field she loves that pays really well. A mum to two tamariki and a partner to the world's most laid-back, carefree non-money-driven man. Her money journey started slowly, full of bad decisions, good luck, and some great times. Now she finds herself in the very fortunate position of earning an above average income, which up until recently, she spent. More recently, she has realised she is in a position to do things with her money that will have a lasting impact. New information on how to handle money better has made her cringe at past decisions. Nic has come a long way, but the journey is not over yet, but she has a plan now, something she never had before. She has her WHY and the HOW defined. She now just requires the discipline, focus and drive to pull it all off!